Terms of Service

Acceptance

By accessing or using loancliff.com (the “Site”), you agree to be bound by these Terms of Service. If you do not agree, do not use the Site. These terms apply to all visitors, users, and others who access the Site.

Description of Service

Loan Cliff provides a free online calculator that estimates the funding gap created by changes to federal graduate student loan programs effective July 2026. The Site is an informational and educational tool only. It does not constitute financial, legal, or tax advice.

No Financial Advice

Loan Cliff is not a financial advisor, broker, or lender. Calculator results are estimates based on publicly available data and simplified assumptions. They may not reflect your actual financial situation, available aid, scholarship awards, or future legislative changes.

Before making any financial decisions regarding graduate school financing, you should consult your school's financial aid office, a licensed financial advisor, and review official government resources at StudentAid.gov.

Third-Party Links

The Site contains links to third-party lender websites. These links are provided for convenience only. We do not endorse, control, or guarantee the products, services, or information provided by linked sites. Your use of third-party sites is at your own risk and subject to their own terms and privacy policies.

Intellectual Property

All content on the Site — including text, design, data compilations, and calculation logic — is the property of Loan Cliff Financial Research or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without prior written permission.

Permitted Use

You may use the Site for personal, non-commercial purposes. You agree not to:

• Scrape or systematically download Site content via automated means.
• Reproduce calculator results for commercial purposes without permission.
• Interfere with the Site's operation, security, or server infrastructure.
• Use the Site in any way that violates applicable law.

Disclaimer of Warranties

THE SITE AND ITS CONTENT ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT CALCULATOR RESULTS ARE ACCURATE, COMPLETE, OR CURRENT.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, LOAN CLIFF FINANCIAL RESEARCH SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF, OR INABILITY TO USE, THE SITE OR ITS CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR AGGREGATE LIABILITY EXCEED $100 USD.

Governing Law

These Terms shall be governed by the laws of the State of Delaware, without regard to its conflict of law provisions. Any disputes shall be resolved in the state or federal courts located in Delaware.

Changes to Terms

We reserve the right to modify these Terms at any time. Continued use of the Site after changes constitutes acceptance of the updated Terms.

Contact

Questions: hello@loancliff.com